Kansas Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Kansas car insurance averages about $222 a month ($2,666 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% below the national average in our data. It’s about the same as in Nebraska, higher than in Missouri and lower than in Colorado and Oklahoma. Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our statewide table, at about $153 a month, effectively tied with GEICO at $158.

Kansas car insurance: key numbers

• Full coverage: about $222 a month ($2,666 a year)
• Liability only (25/50/10): about $63 a month
• Lowest-priced insurer: Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our statewide table, at about $153 a month, effectively tied with GEICO at $158
• Recent price change: −8.1% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Ford County (about $264 a month) and Pottawatomie County (about $200)

Where you live matters. Southwest Kansas costs the most in our data: Dodge City averages about $264 a month for full coverage, Ulysses $263 and Garden City $261, the three highest of the 74 cities and towns we price. Kansas City, at $256, is the most expensive of the eight cities with three or more ZIP codes, while Gardner, at $199, and Wamego and Stilwell, at $200 each, are the least expensive places we price. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 135 Kansas ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Kansas? Average Cost per Month

On average, full coverage in Kansas runs about $222 a month ($2,666 a year). Liability-only coverage at 25/50/10 limits averages $63 a month ($752 a year). Those figures are for a 40-year-old driver with a clean record and use the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Kansas averages $2,666 a year, or about $222 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $752 a year ($63 a month), and 50/100/50 liability with comprehensive and collision averages $2,589 ($216 a month).

• Full coverage (100/300/100, $500 deductibles): $2,666 a year ($222 a month)
• 50/100/50 with $500 deductibles: $2,589 a year ($216 a month)
• Liability only (25/50/10): $752 a year ($63 a month)
• Wichita: $2,888 a year ($241 a month) for full coverage
• Overland Park: $2,527 a year ($211 a month) for full coverage
• Kansas City: $3,076 a year ($256 a month) for full coverage
• Topeka: $2,490 a year ($208 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Kansas Compares With Neighboring States

Kansas’ average is about $47 a month below Colorado’s, $19 above Missouri’s, $2 below Nebraska’s and $21 below Oklahoma’s. It’s the 20th-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Kansas: Companies Compared

• Lowest full-coverage average among insurers anyone can buy from: Travelers, at about $153 a month ($1,836 a year). USAA comes in even lower, at about $114 a month, but it sells only to military families.
• Next lowest: GEICO, effectively tied at about $158 a month, then Progressive at $184.
• Among the six major insurers we compared (Allstate, American Family, Farm Bureau Financial Services, Farmers, Progressive and State Farm): Progressive has the lowest full-coverage average, at about $184 a month, with State Farm close behind at $193.
• Lowest liability-only average (25/50/10): Progressive, at about $34 a month, then, among the six major insurers we compared, Farm Bureau Financial Services at $49.
• Also on our list: USAA at about $114 a month, GEICO at $158 and Shelter at $204 (USAA sells only to military families).
• Most expensive in our table: Allstate, at about $291 a month for full coverage, $1,661 a year more than Travelers.

The statewide Kansas rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the nine, all five published in 2026, put it first, apart from USAA, which sells only to military families. Two of the others put GEICO first, one State Farm and one Nationwide. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these six insurers, at about $34 a month, followed by Farm Bureau Financial Services at $49.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.

See What You’d Pay in Kansas

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How Kansas’ Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Kansas?

Not for full coverage, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Kansas ZIP codes, their full-coverage average fell from $2,719 a year nine months earlier to $2,499 in rates as of Aug. 31, 2026, an 8.1% drop. American Family cut its Kansas average 29.1% and State Farm 8.4%, while Farmers raised its average 4.3%; Farm Bureau Financial Services’ and Progressive’s averages were unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Kansas average above. Liability-only coverage at 25/50/10 limits rose 3.1%, led by Farmers, which raised its liability-only average 19.6%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Kansas Car Insurance Costs

Kansas’ full-coverage average is the 20th-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Southwest Kansas costs the most. The four most expensive of the 41 counties we price are all in southwest Kansas: Ford, Grant, Finney and Seward, at about $255 to $264 a month for full coverage. Liberal, the Seward County seat, averages $255.
• Kansas City costs more than its Johnson County neighbors. Kansas City, in Wyandotte County, averages about $256 a month, while Overland Park averages $211 and Olathe $203. Gardner, also in Johnson County, is the least expensive of the 74 cities and towns we price.
• No-fault coverage on every policy. Besides liability coverage, every Kansas policy must include personal injury protection, which pays at least $4,500 per person in medical bills, and uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per crash.

Kansas Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Kansas City is the most expensive, at $256 a month for full coverage, followed by Wichita at $241 and Overland Park at $211. Lawrence is the least expensive of those eight cities, at about $201. Across all 74 cities and towns we price, averages run from about $264 in Dodge City to $199 in Gardner.

The table lists all 74 Kansas cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Car Insurance Guides for Kansas Cities

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Kansas Car Insurance Rates by County

Ford County is the most expensive county in our data, at about $264 a month for full coverage, followed by Grant County ($263) and Finney County ($261). The least expensive counties we price are Pottawatomie County ($200), Douglas County ($202) and Riley County ($204). We price 41 of Kansas’ 105 counties.

How Much More Does Better Coverage Cost in Kansas?

Raising liability limits from 50/100/50 to 100/300/100 adds about $77 a year on average statewide in our data, with the same $500 deductibles. Across the six insurers, the change runs from $7 less a year (Allstate) to $109 more (State Farm). Statewide, that’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Kansas Car Insurance Rules at a Glance

What Are the Kansas Car Insurance Requirements?

Kansas requires liability insurance on every vehicle, with at least these limits under K.S.A. 40-3107:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $25,000 in property damage liability.

Every Kansas policy must also include personal injury protection (PIP), the state’s no-fault coverage, with at least these benefits under K.S.A. 40-3103:

• Medical expenses: $4,500 per person.
• Lost income: $900 a month for up to one year.
• Rehabilitation: $4,500 per person.
• Household services: $25 a day for up to 365 days.
• Funeral expenses: up to $2,000 per person.

Uninsured and underinsured motorist coverage is required too. It matches your bodily injury liability limits, and you can reject only the part above $25,000 per person and $50,000 per crash, in writing, under K.S.A. 40-284.

Kansas is a no-fault state for injuries: your own PIP pays first, whoever caused the crash. You can sue the other driver for pain and suffering only if your medical treatment is worth $2,000 or more or the injury is serious, such as a fracture of a weight-bearing bone, a permanent injury or disfigurement, the loss of a body part or bodily function, or death, under K.S.A. 40-3117. You can recover damages only if you’re less at fault than the driver you sue, under K.S.A. 60-258a. Damage to cars is paid by the at-fault driver’s liability coverage, not by PIP.

You must show proof of insurance to register or renew a vehicle, according to the Kansas Department of Revenue, and you can show it to an officer on your phone, under K.S.A. 40-3104. Since July 1, 2026, Kansas has checked coverage through KSIVS, a real-time verification system that matches insurers’ records to each vehicle’s VIN at traffic stops and registration renewals, according to the Kansas Department of Insurance. Lawmakers created the system in 2025 under S.B. 42.

Driving uninsured is a class B misdemeanor with a fine of $300 to $1,000, up to six months in jail or both; a repeat within three years is a class A misdemeanor with a fine of $800 to $2,500, under K.S.A. 40-3104. Not keeping continuous coverage brings an indefinite license suspension, according to the Kansas Driving Handbook, and if your insurer reports a cancellation, you have 10 days after the state’s notice to show proof or ask for a hearing before your registration is revoked and your license suspended, under K.S.A. 40-3118. After a crash in an uninsured car, you get your registration back only once the crash claims are resolved, such as by a release or settlement, and you show proof of insurance and pay a $100 reinstatement fee, or $300 for a second revocation within a year, under K.S.A. 40-3104.

The Kansas Department of Insurance auto shopper’s guide explains each coverage, and the department’s consumer hotline, 800-432-2484, takes questions and complaints.

How to Lower Your Car Insurance Rate in Kansas

1. Quote several insurers. In our Kansas table, the lowest and highest averages among insurers anyone can buy from are about $138 a month apart for the same driver and car.
2. Compare Travelers and GEICO first. They have the two lowest full-coverage averages among insurers anyone can buy from in our Kansas table, about $153 and $158 a month.
3. Know what your PIP pays. Every Kansas policy includes personal injury protection, which pays at least $4,500 per person in medical bills and $900 a month in lost income for up to a year, whoever caused the crash, under K.S.A. 40-3103.
4. Keep your uninsured motorist coverage at your liability limits. About 8% of vehicles registered in Kansas were uninsured, the state’s insurance commissioner told lawmakers in March 2025. Kansas policies match uninsured and underinsured motorist coverage to your liability limits unless you reject the extra in writing, and our full-coverage prices include it at 100/300.
5. Keep proof of insurance on your phone. Kansas lets you show it electronically, and officers can’t look at anything else on your phone, under K.S.A. 40-3104. Since July 1, 2026, police and registration offices can also check your coverage in real time, according to the Kansas Department of Insurance.
6. Take an accident-avoidance course. Finishing an approved course of at least four hours earns the principal driver a discount for three years, according to the Kansas Department of Insurance.
7. Know how credit is used. Kansas insurers can use a credit-based insurance score, but not as the only reason to refuse, cancel or not renew a policy or to set your renewal rate, and medical collections can’t count against you, under K.S.A. 40-5104.
8. Compare at every renewal. Over the past nine months, American Family has cut its statewide average 29.1% and State Farm 8.4%, while Farmers has raised its average 4.3%, so the order in our table can shift.
9. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
10. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Kansas and our home insurance guides for Overland Park and Wichita, then compare free home insurance quotes.

Compare Kansas Car Insurance Quotes

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How We Calculated Kansas Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 810 full-coverage premiums from six insurers across 135 Kansas ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/10 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Kansas’ minimum is now 25/50/25, so our liability-only prices use lower limits than the law requires: $10,000 in property damage liability instead of $25,000. Every Kansas policy must also include personal injury protection; see the requirements section of this page.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Allstate is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Kansas rate studies, scaled to our benchmark driver. They aren’t included in our averages.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.

More Kansas Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Kansas Car Insurance Rates by County and Vehicle Type

Kansas Car Insurance FAQ